{"filings":[{"id":2079481,"accession_number":"0001823529-26-000186","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2026-08-05T20:23:10+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q2 2026 net income $175M ($1.25 EPS); raises full-year capital return guidance to $550-600M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $175M ($1.25 diluted EPS); adjusted operating income $177M ($1.26 diluted EPS).","NIW $15B, up 19% QoQ and 15% YoY; primary IIF $274B, up 2% YoY.","Loss ratio 14% (vs 10% YoY); net premiums earned $245M flat YoY.","Declared $0.24/share dividend payable Sept 17; repurchased 2.2M shares for $93M in Q2.","Increased 2026 capital return guidance to $550-600M; PMIERs sufficiency 161% ($1.9B above requirement)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":470360,"accession_number":"0001823529-26-000127","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2026-05-15T20:01:34+00:00","items":["5.07"],"status":"ready","headline":"Enact Holdings stockholders elect directors, approve executive pay, ratify KPMG at 2026 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 director nominees were elected; Thomas J. McInerney received 127,998,214 For (92.6% of votes cast).","Advisory vote on executive compensation passed with 137,729,223 For (99.6% of votes cast).","Ratification of KPMG as independent auditor for 2026 passed with 138,540,938 For (99.45% of votes cast).","Broker non-votes totaled 1,032,773 on director election and executive compensation proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.15,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":95857,"accession_number":"0001823529-26-000106","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q1 net income $168M, EPS $1.18; NIW up 30% YoY; dividend raised 14% to $0.24","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $168M ($1.18/dil); adjusted operating income $172M ($1.21/dil).","New insurance written $13B, up 30% YoY; primary insurance in-force $272B, up 2% YoY.","Loss ratio 15% vs 12% YoY; net reserve release $39M; operating expenses $49M, expense ratio 20%.","Repurchased 2.3M shares for $93M in Q1; $438M remaining under $500M authorization.","Quarterly dividend increased 14% to $0.24/share, payable June 18 to holders of record May 28; S&P upgraded outlook to positive."],"consensus_eps_estimate":null,"consensus_eps_actual":1.18,"consensus_revenue_estimate":null,"consensus_revenue_actual":312069000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":109212,"accession_number":"0001823529-26-000003","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2026-02-03T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q4 net income $177M, EPS $1.22; new $500M buyback program and $0.21 quarterly dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 net income $177M ($1.22 diluted EPS); adjusted operating income $179M ($1.23 diluted EPS).","Full-year 2025 net income $674M ($4.52 EPS); adjusted operating income $688M ($4.61 EPS).","Loss ratio fell to 7% on $60M net reserve release as claim rate expectation lowered to 8%.","Board approved $500M new share repurchase authorization; existing $350M program has $30M remaining.","Quarterly dividend of $0.21 per share declared, payable March 19, 2026 to holders of record Feb 26, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":4.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":1235827000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125704,"accession_number":"0001823529-25-000225","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Holdings Q3 net income $163M ($1.10/sh), raises 2025 capital return target to ~$500M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $163M ($1.10/sh) vs $181M ($1.15/sh) YoY; adjusted operating income $166M ($1.12/sh).","Primary IIF $272B (+2% YoY); PMIERs sufficiency 162% (~$1.9B above requirements).","2025 capital return guidance raised to ~$500M; quarterly dividend $0.21/sh payable Dec 11.","Repurchased 2.8M shares at avg $37.23 in Q3; new $435M revolver replaced $200M facility.","Loss ratio 15% (vs 5% YoY); net premiums earned flat at $245M; Moody's/A.M. Best upgrades."],"consensus_eps_estimate":null,"consensus_eps_actual":3.3,"consensus_revenue_estimate":null,"consensus_revenue_actual":923121000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":125703,"accession_number":"0001823529-25-000219","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-10-01T23:59:59+00:00","items":["1.01","1.02","2.03","9.01"],"status":"ready","headline":"Enact Holdings enters $435M revolving credit facility, replacing $200M prior facility","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["New $435M revolver matures Sept 30, 2030; undrawn at closing on Sept 30, 2025.","Replaces prior $200M facility dated June 30, 2022, which was terminated same day.","Financial covenants: min consolidated net worth $3.729B + 50% of positive net income; max debt-to-capital 0.35:1.00.","Includes a $217.5M accordion feature; interest margin based on Senior Unsecured Rating (currently 0.175% commitment fee).","Margin for Term SOFR loans ranges from 1.00% (Level I) to 2.00% (Level VI); ABR margin from 0.00% to 1.00%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":142435,"accession_number":"0001823529-25-000184","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q2 net income $168M ($1.11 EPS); raises 2025 capital return guidance to ~$400M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $168M ($1.11 diluted EPS) vs $184M ($1.16) a year ago; adjusted operating income $174M ($1.15).","NIW $13B, up 35% QoQ but down modestly YoY; primary IIF $270B (+1% YoY); persistency 82%.","Loss ratio 10% with $48M reserve release; expense ratio 22%; net investment income $66M.","Repurchased 2.4M shares for ~$85M in Q2; remaining $262M under $350M authorization.","Board declared $0.21/share dividend payable Sept 8; full-year 2025 capital return guidance raised to ~$400M."],"consensus_eps_estimate":null,"consensus_eps_actual":2.2,"consensus_revenue_estimate":null,"consensus_revenue_actual":611666000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160476,"accession_number":"0001823529-25-000146","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-05-19T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Enact Holdings shareholders elect all 11 director nominees, approve say-on-pay, ratify KPMG","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 management director nominees elected; Dominic Addesso received 146.6M votes for, 78.5K withheld.","Advisory say-on-pay passed with 145.1M votes for, 1.4M against, 96.4K abstentions.","KPMG ratified as independent auditor for fiscal 2025 with 147.4M for, 1.3M against, 295 abstentions.","Broker non-votes of 2.1M on director election and say-on-pay proposals."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":160475,"accession_number":"0001823529-25-000121","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q1 net income $166M ($1.08 EPS); dividend raised 14% to $0.21; new $350M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $166M ($1.08 diluted EPS); adjusted operating income $169M ($1.10 diluted EPS).","NIW $10B (-26% QoQ, -7% YoY); primary IIF $268B (+2% YoY); loss ratio 12% (vs 8% YoY).","PMIERs sufficiency 165% ($2.0B above requirements); Fitch upgraded EMICO to A from A-.","Quarterly dividend raised 14% to $0.21/share, payable June 11; new $350M repurchase authorization.","Q1 share repurchases: 2.0M shares at avg $33.38; additional $21M through April 25."],"consensus_eps_estimate":null,"consensus_eps_actual":1.08,"consensus_revenue_estimate":null,"consensus_revenue_actual":306776000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.82,"calibrated_materiality_score":0.82,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178727,"accession_number":"0001823529-25-000077","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-03-11T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Enact board gains Mitchell; Waleski not seeking re-election at May 2025 meeting","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Anne G. Waleski will not stand for re-election at Enact's 2025 Annual Meeting on May 14, 2025; no disagreement with company.","H. Elizabeth Mitchell appointed as independent director effective March 11, 2025; also joins Audit Committee.","Board temporarily expands from 11 to 12 members; will revert to 11 after the annual meeting.","Mitchell currently serves on boards of Selective Insurance (SIGI) and Principal Financial Group (PFG).","Waleski to continue as Audit Committee chair and on Nominating & Corporate Governance Committee until meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":178726,"accession_number":"0001823529-25-000004","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2025-02-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact reports Q4 net income $163M ($1.05 EPS); declares $0.185 quarterly dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $163M ($1.05/share); adjusted operating income $169M ($1.09/share) for Q4 2024.","Record primary insurance in-force $269B, up 2% YoY; PMIERs sufficiency 167% or $2.05B.","Loss ratio increased to 10% in Q4 from 5% in Q3 due to lower reserve release and higher new delinquencies.","Returned $354M to shareholders in 2024; Board declares $0.185/share quarterly dividend payable March 14.","Fitch upgraded EMICO insurer financial strength rating to A from A- in January 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":4.37,"consensus_revenue_estimate":null,"consensus_revenue_actual":1201774000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195394,"accession_number":"0001823529-24-000242","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-12-09T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Enact Holdings amends bylaws to update stockholder nomination and proposal procedures","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Revised process and disclosure requirements for stockholder director nominations and proposals (non-Rule 14a-8).","Stockholders soliciting proxies must certify compliance with SEC Rule 14a-19 (universal proxy rules).","Chairperson's determination on proper business at meetings now subject to Board supervision.","Includes routine, ministerial, and conforming changes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":195393,"accession_number":"0001823529-24-000209","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q3 net income $181M, $1.15 EPS; record IIF $268B; announces $0.185 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $181M ($1.15 diluted), vs $184M ($1.16) in Q2 2024 and $164M ($1.02) in Q3 2023.","Adjusted operating income $182M ($1.16 diluted), down from $201M in Q2 on higher losses and lower reserve release.","Record primary insurance in-force $268B, up 2% YoY; NIW flat at $14B but down 6% YoY on estimated lower market share.","PMIERs sufficiency 173% ($2.19B above requirements); share repurchases $71M in Q3, $30M through Oct 31; $137M remaining authorization.","Quarterly dividend of $0.185/share declared, payable Dec 5 to holders of record Nov 18; FY capital return expected at high end of $300-350M range."],"consensus_eps_estimate":null,"consensus_eps_actual":3.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":899998000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":211646,"accession_number":"0001823529-24-000157","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-07-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q2 2024 net income $184M ($1.16 EPS); adjusted operating income $201M ($1.27 EPS); dividend raised to $0.185","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $184M, up 10% vs Q2 2023; diluted EPS $1.16 vs $1.04 YoY.","Adjusted operating income $201M ($1.27 EPS) vs $178M ($1.10 EPS) YoY.","Record primary insurance-in-force $266B (+3% YoY); NIW $14B, up 29% from Q1 2024.","PMIERs sufficiency 169% ($2,057M above requirement); new $250M buyback authorized, $226M remaining.","Quarterly dividend increased to $0.185/share from $0.16, payable Sept 9, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":2.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":590410000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230368,"accession_number":"0001140361-24-027710","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-05-28T23:59:59+00:00","items":["1.01","2.03","8.01","9.01"],"status":"ready","headline":"Enact Holdings issues $750M of 6.250% Senior Notes due 2029, to redeem $750M of 2025 notes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $750M of 6.250% Senior Notes due 2029 under an underwriting agreement with J.P. Morgan, Citigroup, Goldman Sachs.","Net proceeds of ~$742.3M; intends to redeem all $750M of 6.500% Senior Notes due 2025 on June 3, 2024.","Redemption notice for the 2025 Notes delivered to trustee on May 23, 2024; redemption price includes Applicable Premium.","Notes pay interest semi-annually at 6.250%, mature May 28, 2029; callable at make-whole plus 30 bps before Par Call Date."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230367,"accession_number":"0001823529-24-000124","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-05-20T23:59:59+00:00","items":["3.03","5.03","5.07","9.01"],"status":"ready","headline":"Enact Holdings shareholders approve officer exculpation amendment, elect directors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amendment to limit liability of certain officers approved: 139.8M for, 13.6M against.","All 11 director nominees elected; Thomas McInerney had 7.9M votes withheld.","Advisory vote on named executive officer compensation passed: 152.3M for, 1.1M against.","Ratification of KPMG as independent auditor approved: 153.96M for, 1.02M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":230366,"accession_number":"0001823529-24-000101","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-05-01T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q1 net income $161M ($1.01 EPS); board authorizes $250M buyback and 16% dividend hike","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 net income $161M ($1.01 diluted EPS); adjusted operating income $166M ($1.04).","Record primary insurance-in-force $264B (+4% YoY); NIW $11B; loss ratio 8%.","PMIERs sufficiency 163% ($1,883M above requirements); S&P upgraded EMICO to A-.","Dividend increased 16% to $0.185/share payable June 13, 2024 to holders of record May 29.","New $250M share repurchase authorization; $24M remains on existing $100M program."],"consensus_eps_estimate":null,"consensus_eps_actual":1.01,"consensus_revenue_estimate":null,"consensus_revenue_actual":291576000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":248768,"accession_number":"0001823529-24-000005","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2024-02-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q4 GAAP EPS $0.98, full year $4.11; record IIF $263B; returns >$300M to shareholders","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $157M ($0.98/sh) in Q4 vs $164M Q3; full year $666M ($4.11/sh). Adjusted operating income $158M ($0.98/sh).","Record primary IIF $263B (+6% YoY). NIW $10B down 27% sequentially and 31% YoY due to smaller mortgage market.","Loss ratio 10% (up from 7% Q3) on higher delinquencies; delinquency rate 2.10% vs 1.97% Q3.","Returned >$300M to shareholders in 2023 via dividends and $88M in share repurchases; $82M remains on buyback.","S&P upgraded EMICO to A- (from BBB+). New 2024 quota share cedes ~21% of expected NIW; executed first Australia reinsurance deal."],"consensus_eps_estimate":null,"consensus_eps_actual":4.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":1153686000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":266259,"accession_number":"0001823529-23-000208","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2023-11-01T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q3 net income $164M ($1.02/sh); declares $0.71 special dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $164M, diluted EPS $1.02; adjusted operating income also $164M ($1.02).","Record primary insurance-in-force $262B, up 8% YoY; persistency 84%; loss ratio 7%.","Quarterly dividend $0.16/sh and special dividend $0.71/sh, both payable Dec 5, 2023.","PMIERs sufficiency 162% ($2,017M above requirements); annualized ROE 14.9%.","Year-to-date share repurchases $78M; guiding to return $300M to shareholders in 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":3.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":857496000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":283519,"accession_number":"0001823529-23-000154","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2023-08-01T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q2 GAAP EPS $1.04, adj EPS $1.10; record $258B IIF; ups 2023 capital return to $300M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $168M ($1.04/diluted); adjusted operating income $178M ($1.10/diluted).","Primary insurance-in-force record $258B, up 9% YoY; persistency 84%, NIW $15B.","Loss ratio of (2)% due to $63M reserve release; delinquency rate improved to 1.86%.","New $100M share repurchase authorization added to $75M program; dividend raised to $0.16/share.","Launched Enact Re, Bermuda reinsurer; Fitch upgraded EMICO to A- and senior debt to BBB-."],"consensus_eps_estimate":null,"consensus_eps_actual":2.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":558461000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":303016,"accession_number":"0001823529-23-000108","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2023-05-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Enact Holdings announces annual meeting results; all director nominees elected","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 11 director nominees elected with at least 97.6% votes for; Dominic J. Addesso received 161,120,610 votes for.","Advisory vote on named executive officer compensation passed with 160,912,094 votes for (99.7% of votes cast).","Ratification of KPMG as independent auditor for 2023 passed with 160,722,298 votes for (99.5% of votes cast)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":303015,"accession_number":"0001823529-23-000085","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2023-05-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q1 net income $176M ($1.08 EPS); record IIF $253B; dividend raised to $0.16","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $176M ($1.08 diluted EPS) vs $144M prior quarter and $165M prior year; adjusted operating income $176M.","Record primary insurance-in-force $253B (+9% YoY); persistency 85%; NIW $13B (down 30% YoY due to higher rates).","Delinquency rate improved to 1.93% from 2.40% YoY; loss ratio -5% due to $70M reserve release from COVID cures.","Quarterly dividend increased 14% to $0.16/share from $0.14, payable June 14; share repurchases $32M YTD.","Credit ratings upgraded (S&P BBB+, Moody's A3, Fitch A-); PMIERs sufficiency 164% ($2.1B above requirement)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.08,"consensus_revenue_estimate":null,"consensus_revenue_actual":280939000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":322651,"accession_number":"0001823529-23-000040","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2023-03-02T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Enact appoints Jerome Upton to board of directors and Risk Committee","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Jerome Upton appointed to Enact's board and Risk Committee effective March 1, 2023.","Upton also named EVP and CFO of Genworth Financial (GNW) effective same date.","Previously served as SVP, Deputy CFO, and Controller at Genworth since April 2022.","Over 20 years at Genworth in roles including interim CFO of U.S. Life Insurance segment.","Appointment fills board vacancy; term expires at 2023 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":322650,"accession_number":"0001823529-23-000007","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2023-02-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q4 net income $144M ($0.88/diluted); record insurance-in-force $248B; returned $250M capital in 2022","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 GAAP net income $144M ($0.88 diluted EPS); full year $704M ($4.31); adjusted operating income $147M ($0.90).","Primary insurance-in-force record $248B (+10% YoY); persistency 86% vs 69% a year ago.","PMIERs sufficiency 165% ($2,050M above requirement); $75M share repurchase authorized, $8M executed through Jan 31.","New insurance written $15B, down 29% YoY due to higher mortgage rates; loss ratio 8% vs 3% a year ago.","Returned over $250M capital to shareholders in 2022, including special dividend of $1.12/share."],"consensus_eps_estimate":null,"consensus_eps_actual":4.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":1095046000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":322649,"accession_number":"0001823529-23-000005","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2023-02-06T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Daniel J. Sheehan IV resigns from Enact Holdings board effective March 1, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Sheehan's resignation is not due to any dispute or disagreement with the company.","No replacement director has been announced; board size will be reduced.","Sheehan was a director since before the company's IPO; reason for departure not given."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":340670,"accession_number":"0001823529-22-000209","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K/A","filed_at":"2022-11-04T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Holdings declares special $1.12 dividend and $75M buyback","summary_kind":"llm","event_type":"dividend","confidence":"low","bullets":["Special cash dividend of $183M ($1.12 per share) payable Dec 6, 2022; record Nov 18, 2022.","Board authorized $75M share repurchase program of common stock.","Q3 2022 financial results were reported; specific figures not included in this amendment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":340671,"accession_number":"0001823529-22-000203","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2022-11-01T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Enact Q3 net income $191M ($1.17/sh), declares special dividend $1.12/sh and $75M buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $191M ($1.17 diluted EPS) vs $205M in Q2 and $137M in Q3 2021.","Net premiums earned $235M, down 1% QoQ and 3% YoY; loss ratio (17)% from favorable reserve development.","Record insurance-in-force of $242B (+9% YoY); persistency 82% (up from 65% YoY).","Board declared special cash dividend of $183M ($1.12/sh) payable Dec 6 to Nov 18 record holders; authorized $75M share repurchase.","PMIERs sufficiency 174% ($2,249M above requirements); Moody's upgraded IFSR to Baa1, stable outlook."],"consensus_eps_estimate":null,"consensus_eps_actual":3.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":818204000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":357918,"accession_number":"0001823529-22-000169","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2022-08-15T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"Enact Holdings amends bylaws to allow ICC to have three or more independent directors","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Board approved Fourth Amendment to Bylaws on August 11, 2022, effective immediately.","Independent Capital Committee may now consist of three or more independent directors, up from exactly three.","The change provides the Board with greater discretion in ICC composition.","No other material governance changes were made."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":357917,"accession_number":"0001823529-22-000160","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2022-08-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Enact Q2 GAAP net income $205M, EPS $1.25; ROE 20.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $205M ($1.25 diluted EPS) vs $165M ($1.01) Q1 and $131M ($0.80) Q2 2021.","Record insurance-in-force $238B (+9% YoY); NIW $17B (-35% YoY) on higher rates.","Loss ratio (26)%; $96M reserve release from favorable cure performance on COVID delinquencies.","Moody's upgraded Enact Mortgage IFSR to Baa1 from Baa2; entered $200M revolver on June 30."],"consensus_eps_estimate":null,"consensus_eps_actual":2.26,"consensus_revenue_estimate":null,"consensus_revenue_actual":543129000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":357916,"accession_number":"0001823529-22-000158","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2022-07-07T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Enact Holdings enters $200M unsecured revolving credit facility; undrawn at close","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$200M revolving commitment, with option to increase by up to $100M on an uncommitted basis.","Unsecured facility matures in 5 years (June 2027) unless 2025 notes not refinanced, then May 2025.","Interest margins: 2.00% for SOFR loans, 1.00% for base rate; commitment fee 0.375% based on current debt ratings.","Financial covenants include min net worth (72.5% of closing net worth +50% of net income), max debt-to-cap 0.35:1, min liquidity $25M.","Facility undrawn at signing; proceeds for general corporate purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":5898131995.232231,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":376574,"accession_number":"0001823529-22-000101","cik":1823529,"company_name":"Enact Holdings, Inc.","ticker":"ACT","form_type":"8-K","filed_at":"2022-05-16T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Enact Holdings stockholders elect all 11 director nominees; 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